The FIRE movement (Financial Independence Retire Early) is sometimes regarded as a Millennial fad. Or perhaps as something only for the very rich. Perhaps that’s true about the purest forms of FIRE. But there are some sound underlying principles that
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How Pessimistic Should Your Retirement Plan Be?
Being pessimistic comes naturally to some people. Others are naturally optimistic. Both pessimism and optimism have their place. We often hear about the power of positive thinking. On the other hand, unchecked optimism can lead to reckless behaviour. Our naturally
Read moreLTA: Don’t Be So Scared Of Your Pension
Editor’s note: In the budget on 15th March 2023, the Pension Lifetime Allowance (LTA) was abolished. You’re probably aware of the pension lifetime allowance, or LTA. It’s the maximum value of pension benefits you can build up over your lifetime
Read moreYour Retirement Plan Needs More Structure The Older You Are
We’re continually reminded that we need to have a retirement plan. But it’s clear that for someone in their 20s, planning will look quite different from someone in their 50s. And what about for someone who’s already retired? Let’s take
Read moreScenarios In A Retirement Calculator
With a typical online retirement calculator, scenarios mean trying out different inputs and seeing how they change the results. So for example, you might vary your assumed income, investment growth or spending. But whatever you set them to, the calculator
Read moreFinancial Decisions And Outcomes
We make financial decisions every day. When we order a drink in a pub, we make a decision on our discretionary spending. When we make a payment on a credit card, we make a decision on debt management. Or when
Read moreYour Pension Is More Than Your Pension Plan
That might seem obvious, but it opens up a whole raft of issues. Until well into my career, I didn’t think much about what a pension was. I just assumed that I should simply follow the government’s and my employer’s
Read moreFinancial Checklist For The End Of Year
Few of us will mourn the passing of 2020. The impact on health and wealth has been profound for so many. It’s tempting to sit tight and see how events pan out before making plans. But here’s a brief financial
Read moreOptimisation And Your Retirement
Optimisation isn’t usually the first word that comes to mind when thinking about retirement. Some people have grand dreams, others hope to avoid poverty; many avoid thinking about it. Here at EvolveMyRetirement® we’ve recognised that optimisation is an important component
Read moreAre You On Track For Retirement?
What does being ‘on track’ for retirement actually mean? Well, we’re all getting older. So we’re inexorably getting nearer to when we retire, whether we like it or not. In that sense we’re all on track (if not already retired).
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